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I don't think so. It has always been a sort of joke, about the amount of insurance I used to carry. I had full coverage 0 deductible. Policies they don't offer any longer. Now because of the age of my vehicle i have the minimum.
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Anoname That's my budget - minimum.
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When I was growing up we usually had 1 of 3, 4-wheeled vehicles that had no insurance. But at that time Wisconsin did not require insurance, just that you post $25,000 bond if you had an accident until it was settled. Although, usually our dad drove the 4-wheeled vehicle without insurance. My dad, brother, or me never had insurance for our motorcycles, since we figured we could not do much damage to a car (before I watched Russian crash videos on YouTube). So I got used to paying attention, driving like I had no insurance. Not that I drove slow, I did automotive competition against the clock in parking lot slaloms, so I knew car control and my limits. "Defensive driving" is expecting the unexpected (people changing lanes without signalling or even looking, etc.). But I would not thinking of driving without insurance now, because even if it was the other party's fault, you would have to pay an attorney to defend yourself if their insurance refused to pay ("if" they have insurance), besides license and registration suspended and vehicle impounded.
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Anoname
Defensive driving isn't enough any more.
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Boola Boo 
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